What are the current interest rates at Rhinebeck Bank?

Current rates for Rhinebeck Bank include: 12-Month CD: 2.27%, 18-Month CD: 3.90%, 24-Month CD: 3.00%, 36-Month CD: 1.89%, 48-Month CD: 1.89%, 60-Month CD: 1.89%, Savings: 0.15%, MMA: 0.50%

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Rhinebeck Bank Rates & Review September 2026

Q: How many branches does Rhinebeck Bank operate?

Rhinebeck Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Rhinebeck Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rhinebeck Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Rhinebeck Bank's 18-Months 18-Month CD - Promo rates are at 3.90%, 18-Month CD - Promo rates are at 3.90%, 13-Months 13-Month CD - Promo rates are at 3.80%, 13-Month CD - Promo rates are at 3.80%, 7-Months 7-Month CD - Promo rates are at 3.70%. Rhinebeck Bank's savings rates are at 0.15%. Rhinebeck Bank's money market rates are at 0.50%. Rhinebeck Bank's Personal Loan Rates are as low as 9.50%. MonitorBankRates evaluates the financial stability of Rhinebeck Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.51%. Rates last updated and verified on 09/19/2026.

Rhinebeck Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Rhinebeck Bank? Share your experience about Rhinebeck Bank by leaving a review below, or read customer reviews before you decide to use Rhinebeck Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Rhinebeck Bank

6414 Montgomery St
Rhinebeck, NY 12572

https://www.rhinebeckbank.com

Rhinebeck Bank CD Rates

Product	Rate	APY	Term
18-Month CD - Promo	3.83%	3.90%	18 months
Min Deposit $2,000 Details The 7-month, 13-month, and 18-month CDs are promotional products and can be discontinued at any time. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
18-Month CD - Promo	3.83%	3.90%
Min Deposit $2,000 Details The 7-month, 13-month, and 18-month CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
13-Month CD - Promo	3.74%	3.80%	13 months
Min Deposit $2,000 Details The 7-month, 13-month, and 18-month CDs are promotional products and can be discontinued at any time. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
13-Month CD - Promo	3.74%	3.80%
Min Deposit $2,000 Details The 7-month, 13-month, and 18-month CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7-Month CD - Promo	3.64%	3.70%	7 months
Min Deposit $2,000 Details The 7-month, 13-month, and 18-month CDs are promotional products and can be discontinued at any time. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7-Month CD - Promo	3.64%	3.70%
Min Deposit $2,000 Details The 7-month, 13-month, and 18-month CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
2-Year CD	2.96%	3.00%	2 years
Min Deposit $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
2-Year CD	2.96%	3.00%
Min Deposit $2,000 Details Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12-Month CD	2.25%	2.27%	12 months
Min Deposit $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12-Month CD	2.25%	2.27%
Min Deposit $2,000 Details Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Year CD	1.87%	1.89%	3 years
Min Deposit $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Year CD	1.87%	1.89%
Min Deposit $2,000 Details Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
4-Year CD	1.87%	1.89%	4 years
Min Deposit $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
4-Year CD	1.87%	1.89%
Min Deposit $2,000 Details Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
5-Year CD	1.87%	1.89%	5 years
Min Deposit $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
5-Year CD	1.87%	1.89%
Min Deposit $2,000 Details Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Month CD	1.60%	1.61%	3 months
Min Deposit $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Month CD	1.60%	1.61%
Min Deposit $2,000 Details Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
6-Month CD	1.60%	1.61%	6 months
Min Deposit $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
6-Month CD	1.60%	1.61%
Min Deposit $2,000 Details Deposit products, including all CD terms, are available to New York State residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Savings Rates

Product	Rate	APY
Business Savings	0.35%	0.35%
Min Deposit $100 Min Balance $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.35%	0.35%
Min Deposit $25 Min Balance $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.30%	0.30%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.30%	0.30%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.25%	0.25%
Min Deposit $100 Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.25%	0.25%
Min Deposit $25 Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.20%	0.20%
Min Deposit $100 Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.20%	0.20%
Min Deposit $25 Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.15%	0.15%
Min Deposit $100 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.15%	0.15%
Min Deposit $25 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Money Market Rates

Product	Rate	APY
Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $10,000,000 Details Qualifications Required: 15 debit card transactions (each a minimum of $1 or more); 1 direct deposit or ACH payment transaction; enrolled in eStatement; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $10,000,000 Details Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.15%	1.16%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 - $1,999,999.99; Qualifications Required: 15 debit card transactions (each a minimum of $1 or more); 1 direct deposit or ACH payment transaction; enrolled in eStatement; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.15%	1.16%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 - $1,999,999.99; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Qualifications Required: 15 debit card transactions (each a minimum of $1 or more); 1 direct deposit or ACH payment transaction; enrolled in eStatement; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Qualifications Required: 15 debit card transactions (each a minimum of $1 or more); 1 direct deposit or ACH payment transaction; enrolled in eStatement; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Qualifications Required: 15 debit card transactions (each a minimum of $1 or more); 1 direct deposit or ACH payment transaction; enrolled in eStatement; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Checking Rates

Product	Rate	APY
High Interest Checking	4.89%	5.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 15 debit card transactions (each a minimum of $1 or more); 1 direct deposit or ACH payment transaction; enrolled in eStatements; Assumed account balance for APY calculation is $110,000. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
High Interest Checking	-	5.00%
Min Balance $100,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Free checking with a 5.00% APY on balances up to $100,000 and ATM refunds nationwide. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.20%	0.20%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.20%	0.20%
Min Balance $1,000,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.12%	0.12%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.10%	0.10%
Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.08%	0.08%
Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.05%	0.05%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
High Interest Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: All account balances if qualifying criteria are not met^; Qualifications Required: 15 debit card transactions (each a minimum of $1 or more); 1 direct deposit or ACH payment transaction; enrolled in eStatements; Assumed account balance for APY calculation is $110,000. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	5.44%	-	5.44%	60 months
Details Term: Up to a 60-month term; New and used auto loan rates quoted above are the lowest available rates and reflect a 0.25% discount for automatic payments from your Rhinebeck Bank checking account. The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender, and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $225. This amount may affect your monthly payment and APR. All loans subject to credit approval. Certain terms and restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan	5.64%	-	5.64%	72 months
Details Term: Up to a 72-month term; New and used auto loan rates quoted above are the lowest available rates and reflect a 0.25% discount for automatic payments from your Rhinebeck Bank checking account. The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender, and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $225. This amount may affect your monthly payment and APR. All loans subject to credit approval. Certain terms and restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan	5.84%	-	5.84%	60 months
Details Term: Up to a 60-month term; New and used auto loan rates quoted above are the lowest available rates and reflect a 0.25% discount for automatic payments from your Rhinebeck Bank checking account. The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender, and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $225. This amount may affect your monthly payment and APR. All loans subject to credit approval. Certain terms and restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan	5.94%	-	5.94%	72 months
Details Term: Up to a 72-month term; New and used auto loan rates quoted above are the lowest available rates and reflect a 0.25% discount for automatic payments from your Rhinebeck Bank checking account. The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender, and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $225. This amount may affect your monthly payment and APR. All loans subject to credit approval. Certain terms and restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan	6.34%	-	6.34%	84 months
Details Term: Up to a 84-month term; New and used auto loan rates quoted above are the lowest available rates and reflect a 0.25% discount for automatic payments from your Rhinebeck Bank checking account. The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender, and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $225. This amount may affect your monthly payment and APR. All loans subject to credit approval. Certain terms and restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan	6.54%	-	6.54%	84 months
Details Term: Up to a 84-month term; New and used auto loan rates quoted above are the lowest available rates and reflect a 0.25% discount for automatic payments from your Rhinebeck Bank checking account. The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender, and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $225. This amount may affect your monthly payment and APR. All loans subject to credit approval. Certain terms and restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	9.50%	60 months
Details The APR you receive may be different than the rates disclosed above based on past credit history. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Other Rates

Product	Rate	Points	APY/APR	Term
Priority Plus Credit Loan	15.99%	-	15.99%	Revolving
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.05%	-	0.05%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.08%	-	0.08%
Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.10%	-	0.10%
Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.12%	-	0.12%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.15%	-	0.15%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.20%	-	0.20%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.20%	-	0.20%
Min Balance $1,000,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Rhinebeck Bank’s Texas Ratio fell from 4.81% in Q3 2023 to 2.51% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	2.51%	5.0	A+
March 31, 2026	$1.3B	2.62%	5.0	A+
December 31, 2025	$1.3B	2.84%	5.0	A+
September 30, 2025	$1.3B	2.95%	5.0	A+
June 30, 2025	$1.3B	2.38%	5.0	A+
March 31, 2025	$1.3B	3.08%	5.0	A+
December 31, 2024	$1.3B	3.73%	5.0	A+
September 30, 2024	$1.3B	4.12%	5.0	A+
June 30, 2024	$1.3B	3.92%	5.0	A+
March 31, 2024	$1.3B	4.23%	5.0	A+
December 31, 2023	$1.3B	3.94%	5.0	A+
September 30, 2023	$1.3B	4.81%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Rhinebeck Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Rhinebeck Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Rhinebeck Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Rhinebeck Bank

Bank Holding Company RHINEBECK BCORP MHC

Address 6414 Montgomery St, Rhinebeck, NY 12572 · Dutchess

Website https://www.rhinebeckbank.com

FDIC Certificate # 16032

Established 18600412

FDIC Insurance Date 19430701

Domestic Offices 15

Total Branches 15

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8173%

Return on Equity (ROE) 8.1100%

Non-Performing Loans (NPL) 0.24%

Total Assets $1,469,845,000

Total Deposits $1,302,856,000

Equity Capital $138,883,000

Net Income $5,525,000

Headquarters Rhinebeck

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

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Frequently Asked Questions About Rhinebeck Bank

How many branches does Rhinebeck Bank operate?

Rhinebeck Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Rhinebeck Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rhinebeck Bank provides members with tools to manage their accounts and build a solid financial history.

Does Rhinebeck Bank offer online and mobile banking?

Most modern institutions like Rhinebeck Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rhinebeckbank.com.